Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of FLD Management is 1.5% (low). The 2024 annual accounts show equity of €3k and a net result of €-2k. Its solvency ranks better than 95% of 198 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.5%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 198 peers (2024). A comfortable equity buffer.
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-11-2025, 119 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 27-11-2025 | 119 d late | 2025-00572825 |
| 31-12-2023 | 31-07-2024 | 16-02-2026 | 565 d late | 2026-00039786 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-2k
Working capitalNot included in this filing
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 27-11-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 100.0% | 32.1% | |
| Net result | €-2k | €24k | |
| Equity | €3k | €120k | |
| Gross operating margin | €-1k | €72k | |
| Total assets | €3k | €794k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-2k
-
23-24
€3k
-41.7%
23-24
€3k
-41.7%
23-24
100.0%
0.0%
23-24
-71.5%
-
23-24
-71.5%
-
23-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | - |
| Net profit | €-2k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €3k |
| Equity | €3k |
| Debt | - |
| of which ≤ 1y | - |
| of which > 1y | - |
| Working capital | - |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | - |
| Quick ratio | - |
| Working capital ratio | - |
| Solvency | 100.0% |
| Debt / equity | - |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -71.5% |
| ROE | -71.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (13 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €3k |
| Current assets | 29/58 | €3k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €3k |
| Equity | 10/15 | €3k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €-2k |
| Income statement | ||
| Gross operating margin | 9900 | €-1k |
| Operating result | 9901 | €-2k |
| Financial charges | 65 | €195 |
| Result before taxes | 9903 | €-2k |
| Net result for the period | 9904 | €-2k |
| Result to be appropriated | 9905 | €-2k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed40
/ 100
Weak
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
2 directors2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
TAMELLINI Sébastien EmmanuëlDirectorState Gazette act 25359632 (02-10-2025)Current01-03-2025 → present
Former directors (1)
-
FLAMENT DavidDirectorState Gazette act 25359632 (02-10-2025)Former- → 01-03-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Overige zakelijke dienstverlening, neg(82990) |
| Legal form | Private limited company(610) |
| Incorporation | 03-10-2023 |
| Status | Active |
| Postal code | 7011 |
Locations & real estate
Registered office
on the map · from the address registerParcels1
Ground area1,143 m²
Buildings1
Building footprint123 m²
Volume (LiDAR)653 m³
Tallest building6.9 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53030D0226/00R000 | Wallonia | 1,143 m² | 1 · 123 m² | 6.9 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 10 months ago
2025
02-10-2025 1 director appointed, 1 resigning
- TAMELLINI Sébastien Emmanuël, Bestuurder
- FLAMENT David, Bestuurder
Analysis
Financial profile
5 of 5 axes measured51
/ 100
Mixed profile: strong on solvency, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
40
Profitability
0
Solvency
100
Growth
35
Stability
82
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 2,996 of the 24,491 companies in this sector. 983 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameFR | FLD Management |
Registered office
Rue de Baudour (G.) 5
7011 Mons, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.